Phoenix Health Fund summary

Phoenix Health Fund is a mutual nonprofit private health insurer. Established in 1953 originally for the needs of the Australian steel industry, today it has just over 15,000 members. It belongs to Members Own Health Funds, an alliance of 15 nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

Phoenix Health Fund contact details

Is Phoenix Health Fund nonprofit?

Does Phoenix Health Fund get many complaints from members?

Phoenix Health Fund complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Phoenix Health Fund's hospital gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Rating scale

Above average

Average

Below average

Well below average

We also display the percentage of medical services that Phoenix Health Fund covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

How many hospital agreements does Phoenix Health Fund have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. (See How good is Phoenix Health Fund's hospital gap cover? for further explanation of hospital agreements.)

The table below shows how many hospital agreements Phoenix Health Fund has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does Phoenix Health Fund offer ambulance cover?

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover.

In Queensland or Tasmania, emergency ambulance services are covered by your state government.

In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select.

In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover.

Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.

Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does Phoenix Health Fund let you claim online or in-app?

All services can be claimed via email or the fund's app (iOS and Android).